Family Health Optima

Family Health Optima

Family Health Optima from Star Health is a health insurance plan that gives protection for the entire family on the payment of a single premium under a single sum insured. The sum insured floats among the family members insured. It's just one more way to tighten the family bonds.

Policy Benefits

• Hospitalization Cover: Protects the insured person for in-patient hospitalization expenses for a minimum of 24 hours. These expenses include room and boarding charges as per policy conditions
• Nursing expenses
• Surgeon's fees, Consultant's fees, Anesthetist’s and Specialist's fees
• Cost of medicines and drugs
• Emergency ambulance charges for transporting the insured patient to the hospital upto a sum of Rs.750/- per hospitalization and overall limit of Rs.1500/- per policy period

A Super Saver Policy

• Single Sum Insured
• Coverage for entire family
• Single Premium
• Considerable saving in premium as the family is covered under one policy

Pre and Post Hospitalization Cover

• Pre-hospitalization medical expenses upto 30 days prior to the date of admission
• Post-hospitalization calculated at 7% of the hospitalization expenses (excluding room charges), subject to a maximum of Rs.5000 is payable.

Family Includes

• Proposer, spouse, dependent children upto 25 years those who are economically dependent on their parents.

Tax benefits

• Premium paid by Cheque or DD A/c Pay, STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED is eligible for relief as provided under Section 80 D of the Income Tax Act..

Eligibility

Any person aged between 5 months and 60 years residing in India can take this insurance.

How much to pay?

Sum Insured : Rs. 2,00,000

5 Months - 35 Yrs 36 Yrs- 45 Yrs 46 Yrs- 55 Yrs 56 Yrs- 60 Yrs 2A 2890 3140 5535 6400 1A + 1C 2715 3005 5265 6120 1A + 2C 2835 3075 5410 6225 1A + 3C 3085 3415 5715 6645 2A + 1C 3295 3555 5925 6965 2A + 2C 3455 3675 6450 7360 2A + 3C 3625 4060 6795 7820

Sum Insured : Rs. 3,00,000

5 Months - 35 Yrs 36 Yrs- 45 Yrs 46 Yrs- 55 Yrs 56 Yrs- 60 Yrs 2A 3985 4360 7605 10030 1A + 1C 3710 3940 6930 9185 1A + 2C 3825 4110 7160 9725 1A + 3C 4125 4440 7630 10095 2A + 1C 4190 4830 7865 10625 2A + 2C 4310 5110 8400 11090 2A + 3C 4615 5320 8710 11755

Sum Insured : Rs. 4,00,000

5 Months - 35 Yrs 36 Yrs- 45 Yrs 46 Yrs- 55 Yrs 56 Yrs- 60 Yrs 2A 5195 5565 10510 13515 1A + 1C 4750 5070 9660 12730 1A + 2C 4910 5250 10150 13210 1A + 3C 5365 5725 10980 13755 2A + 1C 5295 5775 11270 14290 2A + 2C 5645 6240 11870 14890 2A + 3C 6025 6540 12585 15815

Sum Insured : Rs. 5,00,000

5 Months - 35 Yrs 36 Yrs- 45 Yrs 46 Yrs- 55 Yrs 56 Yrs- 60 Yrs 2A 5920 6525 12010 15855 1A + 1C 5370 5955 11550 15225 1A + 2C 5630 6285 11865 15645 1A + 3C 6035 6770 12390 16275 2A + 1C 6345 7045 12815 16750 2A + 2C 6875 7675 13210 17450 2A + 3C 7260 8195 13860 18105

Age of the oldest family member covered should be taken for premium calculation Service tax 10.30% extra

Discount A discount of 10% on Premium is allowed on renewal of the policy if there is no claim in the immediately preceding year of the policy. This discount is not cumulative. Exclusions Expenses for the treatment of any illness/ disease/condition which is pre-existing Treatment of illness/disease/sickness contracted by the insured person during the first 30 days from the commencement date of the policy First Two Years Exclusions: Cataract, Hysterectomy for Menorrhagia or Fibromyoma, Replacement surgery for knee and/or joint (other than caused by an accident), Prolapse of intervertebral disc(other than caused by accident),varicose veins and varicose ulcers First Year Exclusions: Benign Prostate Hypertrophy, Hernia, Hydrocele, Fistula in anus, Piles, Sinusitis and related disorders, congenital internal disease/defects, removal of gallstones and renal stone Naturopathy treatment Expenses which are purely diagnostic in nature with no positive existence of any disease Expenses incurred for non-allopathic treatment Treatment of external Congential disease/defects/anomalies Expenses which are mainly cosmetic in nature Claims Procedure Inform the ID number for easy reference In case of a planned hospitalization, please inform 24 hours prior to admission into the hospital In case of emergency hospitalization, information to be given within 24 hours after hospitalization At non-network hospitals, payments must be made upfront and then reimbursement will be effected on the submission of documents NOTE: The benefits and exclusions mentioned herein are only an outline of the policy. For complete details, please contact 099946 12916, 093628 54443 Marketing – Sales Manager. How to buy this insurance? Please contact us 099946 12916, 093628 54443 / SMS /